Commercial State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 105.52 percentage points in Q2 2026, from 814.86% to 920.38%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Commercial State Bank is 26th of 138 on return on assets, 1.92% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Commercial State Bank reported 1.92% on return on assets in Q2 2026, 0.67 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.64% |
| Equity capital to assets | 9.44% |
| Tangible equity to tangible assets | 9.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 0.95% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 920.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 20.30% |
| Net interest margin | 3.86% |
| Efficiency ratio | 48.37% |
| Yield on earning assets | 6.44% |
| Cost of funds | 2.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.22% |
| Core deposits to total deposits | 77.55% |
| Brokered deposits to total deposits | 5.26% |
| Deposits to assets | 89.74% |
| Securities to assets | 9.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 8.89% | 1.29% | 3.15% | 0.24% | -0.01% |
| Q4 2023 | 9.22% | 1.30% | 3.17% | 0.22% | -0.00% |
| Q1 2024 | 9.07% | 1.24% | 3.15% | 0.21% | -0.00% |
| Q2 2024 | 8.95% | 1.34% | 3.23% | 0.21% | 0.12% |
| Q3 2024 | 8.90% | 1.37% | 3.21% | 0.21% | -0.03% |
| Q4 2024 | 9.11% | 1.51% | 3.27% | 0.22% | 0.00% |
| Q1 2025 | 9.48% | 1.54% | 3.46% | 0.20% | 0.05% |
| Q2 2025 | 9.45% | 1.75% | 3.75% | 0.16% | 0.02% |
| Q3 2025 | 9.40% | 1.69% | 3.76% | 0.16% | 0.01% |
| Q4 2025 | 9.60% | 1.69% | 3.82% | 0.15% | 0.00% |
| Q1 2026 | 9.82% | 1.70% | 3.88% | 0.14% | 0.05% |
| Q2 2026 | 9.64% | 1.92% | 3.86% | 0.12% | 0.21% |
Commercial State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commercial State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13819) · FFIEC NIC profile (RSSD 479754)